【正文】 通銀行賬戶，可用于普通的存取款和消費(fèi)，與一般的銀行卡并無(wú)區(qū)別；另一個(gè)是專 用賬戶，可通過(guò)銀行系統(tǒng)鎖定在一臺(tái)或若干臺(tái) POS 機(jī)上消費(fèi)，不能支取現(xiàn)金或在系統(tǒng) 鎖定之外 的 POS 機(jī)消費(fèi)。中經(jīng)公司正是利用這種專用聯(lián)名卡的特殊功能，使客戶在持卡加油時(shí)，對(duì)加油站該卡就是中經(jīng)公司出具的油品“提貨單”，對(duì)客戶該卡則是向中經(jīng)公司購(gòu)油刷卡結(jié)算。 ２ .２營(yíng)運(yùn)模式 （ 1）設(shè)計(jì)供應(yīng)鏈網(wǎng)絡(luò)。即：向 上游 客戶 中石化 (SINOPEC)、中石油 (PETROLCHINA)批量購(gòu)油，公司客戶（車輛）憑公司的加油卡（相當(dāng)于提單）到各油站，通過(guò)專用 POS 機(jī)刷卡加油（ 提貨 ）。這樣，商品從加油站流向客戶，卡內(nèi)預(yù)付資金從專用POS 機(jī)流向公司賬戶，油款按月結(jié)算，完成了商品流和資金流的雙向循環(huán)。 （ 2）設(shè)計(jì)服務(wù)鏈。 B、 中經(jīng)公司授信（ 賒賬 ），中經(jīng)公司在加油卡內(nèi)預(yù)存一定數(shù)額的資金，客戶持卡加油，先用油后付款，每月結(jié)算一次，當(dāng)卡內(nèi)資金低于某臨界值時(shí)，中經(jīng)公司的管理平臺(tái)控制系統(tǒng)會(huì)自動(dòng)提示充值，公司依據(jù)提示清單將收單賬戶資金轉(zhuǎn)往卡內(nèi)充值，如此循環(huán)。中經(jīng)公司“匯通加油卡營(yíng)運(yùn)平臺(tái)”系統(tǒng)自動(dòng)記錄用油單位消費(fèi)時(shí)間、地點(diǎn)、油品、數(shù)量、單價(jià)、金額、車牌號(hào)等信息，經(jīng)過(guò)車型分析、歷史分析等處理后， 如有異常，管理平臺(tái)將提示異常消費(fèi)，并輸送給油站、銀行跟蹤處理。 B、 車輛運(yùn)行過(guò)程的全程監(jiān)控管理。 【 結(jié)算服務(wù)】 公司對(duì)集團(tuán)客戶實(shí)行“一集中、四統(tǒng)一”的結(jié)算服務(wù)，即：中經(jīng)公司與集團(tuán)客戶集中月結(jié)、一票清算；統(tǒng)一代替司機(jī)打印發(fā)票，統(tǒng)一結(jié)算，統(tǒng)一報(bào)表，統(tǒng)一充值。把填單、開(kāi)票、付款、報(bào)賬、充值這類繁瑣的工作統(tǒng)統(tǒng)交給中經(jīng)公司去集中處理。 （ 3）開(kāi)發(fā)相應(yīng)的后臺(tái)技術(shù)支持系統(tǒng) — “匯通卡供應(yīng)鏈網(wǎng)絡(luò)集成平臺(tái)”。 （ 4）產(chǎn)品設(shè)計(jì)與市場(chǎng)推廣。 ２ .３ 盈利 模式 （ 1）直接利潤(rùn)：來(lái)源于供應(yīng)鏈管理的批零價(jià)差，體現(xiàn)為公司的 賬面利潤(rùn)或現(xiàn)金收益； （ 2）間接利潤(rùn)：來(lái)源于為客戶提供的差異化服務(wù)，包括融資回報(bào)和降低客戶交易成本、實(shí)現(xiàn)客戶價(jià)值增值后的利潤(rùn)分配。 I. General . The purpose of the business plan Direct financing at the American securities business Reproducing the current unique business mode, and making the pany a global fastgrowing enterprise. . Company Introduction China Merchants Petroleum amp。 Chemicals Co., Ltd.， CMPC”, registered trade mark is China Express Card, trademark license number is 1988069. The China Express Card operation platform invented by the pany was appraised by the State Copyright Bureau, and received the state property right register authentication (the registered number is 2020SR12833). The quality management system has passed the authentication of ISO 9001:2020 (the authentication number is 00706Q10143ROM). The pany is appraised as the model credit standing pany in Guangdong Province. The website of the pany is . . The business scope of China Merchants Petroleum and Chemicals Co. Lit (CMPC) includes the prehensive services of “China Express Card multifunctional operation platform”, the operation scope includes providing customer information and customer management for gas stations。 providing oncredit payment for gasfilling, information management and account settling services。 establishing the customized platform for POS of China Unionpay (a national anization, which is similar to Visa or Master) bank card. This platform serves the market surrounded Zhu River Delta, which is radiating to Guangdong Province today. This platform established over 1000 contracted gas stations, and there are five cooperating banks which issued China Express Card of “BankChina Merchants” successfully. There are 150,000 vehicles with China Express Card. Such operating mode with multifunctional integrated information platform is similar to Ctrip and elong, but its trade span and integrating depth is better than Ctrip and elong. The business scope of China Merchants Petroleum and Chemicals Co. Lit (CMPC) also includes providing bunker supplier for the shipping arrived at ports, the service area includes all the ports along the China sea. The annual revenue of China Merchants Petroleum and Chemicals Co. Lit (CMPC) is more than 1 billion RMB. . Review of Trade and Market With the rapid development of economy, today, the demand in logistic market of China and modern logistic filed are entering a fast growing age. The total amount of logistic operation reaches 3800 billion RMB, with annual growth of 30%. However, the corresponding facilities, logistic technique and equipment, work and information, logistic capital and management serving for logistic lag behind the development, and all the trades are segmented. All the trades are devoted to establishing a maturer ERP (Enterprise Resource Planning), but they lack the integrating, conforming and reutilizing of the supply chain of all trades. Conforming to the promise of WTO, Chinese government has developed oil product market in December, 2020 in full scale. Some foreign oil panies are accelerating in the establishing logistic infrastructure, oil product selling work in China. Thus the domestic and overseas suppliers are appearing in Chinese market, and service bees a critical factor in the gasfilling trade petition instead of price. Integrating financial and information trade is important in peting for more terminal automobile customers. Gasfilling for vehicles is a very important content in transporting logistic supply chain management. The supply chain is crying for dynamic automobile control and cost control through integration gasfilling su